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Own A Motorcycle? Insure It Before You Ride

You love and take care of your motorcycle. However, whenever you hit the road, you are going to put it in harm’s way. Driving risks exist on every stretch of pavement, even in your own driveway. No matter how small the risk, should a problem strike, you might face high recovery costs. Having top-notch motorcycle insurance can help you navigate these often-complicated situations.

Contact Auto Insurance Discounters today online or at (866) 688-6545. We’ll help you get the most-affordable motorcycle insurance on the market.

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The Importance Of Motorcycle Insurance

When owning, maintaining and riding your motorcycle, you likely cannot guess if or when a sudden, unpreventable mishap might occur. Still, if one does, your motorcycle insurance can likely help. It will provide financial assistance for costs related to such accidents.

Your policy might pay if:

  • You have a wreck and your bike sustains damage.
  • An environmental hazard — such as fire, hail or severe weather — damages the bike.
  • The bike gets stolen or vandalized.
  • You cause an accident that harms someone else or damages their property.
  • Another driver causes a wreck but can’t compensate you for the damage they caused.

With insurance, you won’t have to worry about how you will recover from bike mishaps. Your bike’s policy can ensure you don’t have to financially or personally suffer after a damaging accident.

The Coverage Within Your Policy

All motorcycle insurance contains different coverage elements. Furthermore, in most states, you must carry certain coverage, or else you will break the law. Therefore, talk to your agent about including the following elements on your policy:

  • Collision Coverage: This coverage helps pay for repairs or replacement of your bike following a wreck.
  • Comprehensive Coverage: Theft, fire, vandalism, weather or other incidents could damage your motorcycle. This protection can help with repair costs or the replacement of the bike. It covers most damage costs not related to collisions.
  • Liability Coverage: Most states assign fault based on which driver caused an accident or vehicle loss. If you are at-fault, you may have a responsibility to compensate a third party for injuries or property damage you cause them. Liability coverage can help you pay the affected person. Most policies contain:
    • Bodily Injury Liability Coverage: This policy pays for the injuries you cause others. In many cases, policies will also provide a death benefit.
    • Property Damage Liability Insurance: If you damage someone else’s property, then this coverage can pay to repair or replace their belongings. For example, you will often use this coverage to pay for another driver’s vehicle repairs.
  • Personal Injury Protection (PIP): This protection might help you pay for your medical expenses, or those of a passenger, after an accident. It might also help with funeral expenses if an accident turns fatal. Policies often provide an income supplement in case you miss work due to injuries.
  • Uninsured/Underinsured Coverage: This coverage applies if another person’s liability insurance won’t help pay for your bike losses.
    • Uninsured Coverage: You can pay for your own bike repairs if an at-fault driver does not have liability insurance. Or, if you are the victim of a hit-and-run, your policy can cover your repairs.
    • Underinsured Coverage: There is no guarantee that an at-fault driver will have enough liability insurance to cover the costs of your losses. This coverage can step in to supplement their liability coverage after it has paid its maximum.
  • Your policy can include a variety of other elements. For example, they might cover roadside assistance, rental cars and more.

    Please Note: Missouri, Texas, Oklahoma and Kansas all require drivers to carry different mandatory coverage. See below to determine what protection you must include on your policy. Our agents will always include these minimum limits on your coverage.

    Choosing The Right Policy

    Keep these tips in mind to help yourself select the right motorcycle policy.

    • We recommend that you carry higher mandatory coverage limits than your state’s required levels. It’ll help you protect yourself more securely. For example, you’ll usually need at least $100,000 in liability coverage.
    • It is a good idea that you carry optional coverage, like collision and comprehensive protection.
    • Your policy will include deductibles. You will pay the deductible cost before your policy covers some or all of a remaining claim. We can help you choose the right balance of deductibles to ensure you always meet your cost obligations but still maintain affordable coverage.
    • If you have significant driving risks, such as SR-22 penalties, you might worry about paying high premiums, or not qualifying for coverage at all. Not with us. We can help you obtain SR-22 forms and maintain coverage for the duration of the penalty.

    With established presences in Missouri, Kansas Oklahoma and Texas, the team at Auto Insurance Discounters can help drivers obtain the motorcycle coverage that is most-affordable and most-comprehensive for them. We’re here to help whenever you need us.

    Are you ready to get covered? Get started today! Call us at (866) 688-6545 for a fast, free policy quote.

    Your State’s Required Coverage

    To learn more about your state’s required insurance minimums, refer to the information below.


    Liability Coverage:

    • $25,000 coverage per person
    • $50,000 coverage per accident
    • $10,000 property damage coverage

    Uninsured/Underinsured Bodily Injury Coverage:

    • $25,000 per person
    • $50,000 per accident


    Liability Coverage:

    • $25,000 per person
    • $50,000 per accident
    • $25,000 property damage coverage

    Uninsured/Underinsured Bodily Injury Coverage:

    • $25,000 per person
    • $50,000 per accident

    Personal Injury Protection (PIP) Coverage:

    • $4,500 per person for medical expenses
    • $900 per month for one year for disability/loss of income
    • $25 per day for in-home services
    • $2,000 for funeral, burial or cremation expenses
    • $4,500 for rehabilitation expense
    • Disability/loss of income up to $900 per month for one year
    • In-home services up to $25 per day for one year


    Liability Coverage:

    • $25,000 per person
    • $50,000 per accident
    • $25,000 property damage coverage


    Liability Coverage:

    • $30,000 per person
    • $60,000 per accident
    • $25,000 property damage coverage

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